Climate Risk Summary

Zip Code 10928, Risk Profile

The primary drivers of climate-related financial risk in Highland Falls, NY (10928) are Inland Flooding, Hurricane, and Cold Wave.

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

  • / It represents the "average cost" rather than a guaranteed yearly bill.
  • / It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$1,258,799

Expected Annual Loss for Zip Code 10928

46.8Score

Relatively Moderate compared to US average

10928
Minimal Estimated LossMax Estimated Loss

Hurricane

$128,325

Expected Annual Loss for Zip Code 10928

70.5Score

Relatively Low compared to US average

10928
Minimal Estimated LossMax Estimated Loss

Cold Wave

$104,989

Expected Annual Loss for Zip Code 10928

48.2Score

Relatively Moderate compared to US average

10928
Minimal Estimated LossMax Estimated Loss

Zip Code Risk Map

Legend
Very Low
Low
Moderate
High
Very High
Extreme

Financial Risk Inventory

MAJOR DRIVER
Inland Flooding
$1,258,799
Score: 46.8
MAJOR DRIVER
Hurricane
$128,325
Score: 70.5
MAJOR DRIVER
Cold Wave
$104,989
Score: 48.2
Tornado
$63,449
Score: 36.5
Strong Wind
$55,127
Score: 60.8
Earthquake
$46,482
Score: 42.1
Heat Wave
$38,121
Score: 25.0
Lightning
$16,142
Score: 37.1
Winter Weather
$8,772
Score: 60.1
Ice Storm
$5,355
Score: 31.8
Coastal Flooding
$2,717
Score: 46.4
Landslide
$1,831
Score: 79.3
Hail
$1,592
Score: 17.8
Wildfire
$101
Score: 23.1

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 46.8
🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 70.5
🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 48.2

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

Nearby Locations

Zip Code 10922Zip Code 10911Zip Code 10524Zip Code 10567Zip Code 10996Zip Code 10986
10928 Climate Risk Report | Highland Falls, NY